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Credit Builder Rewards Credit Card

Build or rebuild your credit and get rewarded at the same time. How sunny is that?!

apply now

Rates current as of May 1, 2022

Building credit can be tough - we want to help

Establishing or improving your credit is important...especially when planning for large purchases like a car or home. The First Credit Union credit builder Visa® Rewards credit card is designed to help. Plus, while you build your credit you'll get rewarded too - every purchase, every day.

  • Earn 1 point for every dollar you spend
  • Redeem your points for cash back or gift cards
  • Shield yourself from fraud with the Visa Zero Liability policy
  • New! Contactless Cards makes paying easy as 1-2-3 

Plus, enjoy NO annual fee and NO balance transfer fee.

Additional Resources:

  • Repairing Credit Article 
  • Managing Credit Course

Current Rates

Rewards Credit Card Accounts

Loan AdvanceAPR*
Introductory Offer** 0.00%
Purchases10.15% - 20.15%
Balance Transfers, Cash Advances13.15% - 23.15%

*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rates will vary with the market based on Prime Rate. Rate subject to change without notice. Other loans are available. Call (480) 756-5500 for more information.

** New card offer: 0.00% introductory APR on purchases for first 9 billing cycles with 4.9% on balance transfers within the first 30 days for 9 billing cycles, and the cash advance fee and rate will be at the current prevailing rate.

***Earn 2X rewards points on purchases posted to your First Credit Union Visa® Rewards credit card during the first 90 days of account opening. Balance transfers and cash advances do not qualify as purchases.

Consumer Fee Schedule   Fraud Alerts Program Overview

Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc.

Allowed domains:

https://firstcu.percussion.marketing,https://www.firstcu.coop,http://www.firstcu.coop,https://www.firstcu.net,http://www.firstcu.net,https://firstcu.coop,http://firstcu.coop,https://firstcu.net,http://firstcu.net,https://cm.netteller.com,https://cm.netteller.com/login2008/Authentication/Views/Login.aspx?fi=secure-FirstCU-online&bn=96c99b975cab8cf8&burlid=5a620019d4a91791,https://internetloanapplication.cudl.com/firstcu/live/,https://firstcucoop.cudlautosmart.com/,http://firstcucoop.cudlautosmart.com/,https://campaign.documatix.com/DM/DPS/WebForms/Webform/5F8163941CF948C0,http://campaign.documatix.com/DM/DPS/WebForms/Webform/5F8163941CF948C0,https://sales.liveperson.net,http://sales.liveperson.net,https://firstcu-percussion.com,http://firstcu-percussion.com,https://www.firstcu-percussion.com,http://www.firstcu-percussion.com,https://www.google.com/url?q=https://www.firstcu.net,https://www.google.com/url?q=https://firstcu.net,https://www.NetTeller.com/secure-firstcu-online,https://campaign.documatix.com/DM/DPS/WebForms/WebForm/4C76AE84986AC0B6,https://secure.firstcu.net/firstcu/uux.aspx,https://secure.firstcu.net/firstcu/sdk/AutoEnrollmentE2E,https://survey.sogosurvey.com/r/FirstCUappointmentrequest,https://survey.sogosurvey.com/r/ApprequestGS,https://survey.sogosurvey.com/r/ApprequestCCP,https://survey.sogosurvey.com/r/ApprequestDevonshire,https://survey.sogosurvey.com/r/ApprequestGlendale,https://survey.sogosurvey.com/r/ApprequestGoodyear,https://survey.sogosurvey.com/r/ApprequestOcotillo,https://survey.sogosurvey.com/r/ApprequestTempe,https://survey.sogosurvey.com/r/ApprequestTucson,https://secure.firstcu.net/firstcu/uux.aspx#,https://secure.firstcu.net/firstcu/uux.aspx#/login/split-login-password-entry,https://secure.firstcu.net/firstcu/sdk/AutoEnrollmentE2E,https://main.financialtown.com/financial_town/?view_type=page&action=client_portal&company_code=firstcu&client_portal_mode=kiosk,https://www.moneyedu.org/public/featured-this-week.cfm?code=FIRSTCU&w=7&resources

Clicking continue will take you from First Credit Union’s site to a third party website.  First Credit Union makes no endorsement or claims about the accuracy or content of information contained within the third party site to which you may be going.  The security and privacy policies on these sites may be different from First Credit Union

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THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.
Routing Number: 322172742
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